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Letter portraitLegal landscapeQuarterYTD

American National Bank of Mount Pleasant, The

Mount Pleasant, TX · Cert 22942 · Northeast Texas Bancshares Inc.

National charter · OCC · 1 branch

Q2 2026

$144.6MAssets
$93.3MLoans
$130.3MDeposits
$14.0MEquity
Loan mix
75%RE $62.8M13%C&I $10.9M12%Consumer $10.3MQ3 2024Q2 2026
Deposit mix
64%Interest-bearing $83.1M36%Noninterest $47.2MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.09%, down 61 bps year over year; NIM at 4.76%.
  • Asset quality: problem loans at 0.00% of loans (-33 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 12.82%, up 30 bps from a year ago.
  • Funding: loans stand at 71.63% of deposits as of Q2 2026.

Return on Assets (quarter, annualized)

1.09%-61 bps YoY

Net Interest Margin (quarter, annualized)

4.76%+17 bps YoY

Efficiency Ratio (quarter, annualized)

57.28%-25 bps YoY

Tier 1 Leverage Ratio

12.82%+30 bps YoY

NIM

5.86%Q2 ’246.03%Q2 ’256.11%Q2 ’26+10%+4%

Non-interest income vs. expense

2.94%Q2 ’243.01%Q2 ’253.12%Q2 ’26+3%+3%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.69%1.55%1.42%1.70%1.51%1.22%1.31%1.09%-61 bps
Return on Equity21.37%18.53%18.36%21.53%17.42%12.89%13.84%11.79%-974 bps
Net Interest Margin4.32%4.48%4.52%4.59%4.81%4.75%4.57%4.76%+17 bps
Efficiency Ratio55.34%60.00%63.57%57.53%63.23%59.49%64.56%57.28%-25 bps
Non-Interest Burden2.08%2.43%2.64%2.36%2.80%2.50%2.72%2.43%+7 bps
Growth
Asset Growth (YoY)4.41%2.39%4.76%1.14%8.02%8.48%4.89%7.17%+603 bps
Loan Growth (YoY)5.95%9.30%5.10%12.21%15.53%11.36%6.85%5.61%-660 bps
Deposit Growth (YoY)-1.64%-0.79%2.77%1.02%9.08%8.70%5.77%5.62%+459 bps
Asset Quality
Nonperforming Loans / Loans0.02%0.23%0.58%0.33%0.40%0.06%0.07%0.00%-33 bps
Net Charge-Offs / Loans0.26%0.15%0.01%0.15%0.44%0.68%0.04%0.03%-12 bps
Allowance / Loans1.89%1.81%1.86%1.80%1.72%1.79%1.93%1.95%+15 bps
Allowance Coverage of NPLs92.6x7.8x3.2x5.5x4.3x31.8x29.4xn/an/a
Capital
Tier 1 Leverage Ratio12.49%12.96%12.14%12.52%12.84%12.91%12.50%12.82%+30 bps
Total Risk-Based Capital12.49%12.96%12.14%12.52%12.84%12.91%12.50%12.82%+30 bps
Equity / Assets8.74%8.00%7.51%8.33%9.02%9.97%8.90%9.66%+133 bps
Liquidity & Funding
Loans / Deposits65.50%70.99%68.13%71.64%69.38%72.73%68.83%71.63%0 bps
Liquid Assets / Assets3.77%0.01%4.54%0.19%4.09%1.18%4.64%3.00%+281 bps
CRE / Total Capitaln/an/an/an/a168.06%173.66%186.04%n/an/a